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The guidance covers contribution flexibility, how eligible medical expenses are identified, and payment or reimbursement methods through Optum Bank debit services and apps. 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More resources are available on the CU Benefits website, or you can contact a benefits professional by email at [benefits@cu.edu](benefits@cu.edu), or by phone at 303-860-4200, option 3, during regular business hours.  \nHealth Savings Account (HSA)  \nQ. When do I need to enroll in the HSA?  \nA. You may enroll during your new hire enrollment, Open Enrollment or any other time during the year. The HSAis flexible, and you can enroll, cancel or adjust your contributions at any time during the year as long as you are enrolled in the CU High Deductible Health Plan. Reminder: The HSA must have an effective date on or prior to the date of the claim in order for the claim to be reimbursable with HSA funding, open your account when enrolling in your HDHP Plan.  \nQ. How much do I need to contribute?  \nA. It depends on you. HSA funds never expire and carry over year after year so you may choose to save up to theyearly limit or just the expected out-of-pocket health care expenses for this year. HSA savings are a great strategy for retirement. View the contribution limits by visiting IRS Publication 969 website.  \nQ. Is there a list of eligible expenses?  \nA. Eligible health care expenses can be viewed by visiting the IRS Publication 502 website, IRS Publication 969 website or our plan administrator ´s webpage Eligible Expenses-Optum Bank website.  \nQ. How do I pay for my qualified medical expenses?  \nA. You can use your Optum Bank debit Mastercard® when accessing services or after you receive a bill. You can pay bills online or by using the Optum Bank mobile app, and you can reimburse yourself for a payment you have made. Visit the Optum Bank website to learn more.  \nQ. Can I use my HSA to reimburse my spouse and children's medical expenses if they are not enrolled in my health insurance?  \nA. Yes, the HSA does not require your tax dependents to be covered by your health insurance plan. However, you cannot use these funds for non-qualified dependents such as domestic partners or their children.  \nQ. Can I use my HSA to reimburse previous year's medical expenses?  \nA. You must incur your qualified medical expenses after you have established your HSA. You can reimburse yourself for those expenses at any time.  \nQ. What happens if I do not spend all the money at the end of the year?  \nA. Any remaining balance automatically rolls over year after year. HSA funds never expire even if you switch employers. The account is portable and becomes an individual account if you leave your employer and may be transferred to another HSA with a new employer.  \nQ. Do I need to keep receipts when spending my HSA funds?  \nA. Yes. Although Optum Bank will not request any documentation, the IRS may audit you. Keep all your receipts or any other documents to substantiate your claims , such as the Explanation of Benefits (EOB) from your insurance companies.  \nQ. Can I keep my HSA if I no longer have a qualifying High Deductible plan?  \nA. If you no longer have a qualifying High Deductible health plan, you cannot make additional contributions. However, you do not have to close your account, and you can continue using the money in your HSA even in retirement.  \nQ. What happens if I switch jobs and leave CU or am laid off/furloughed?  \nA. The HSA is yours to keep, and the funds are accessible. You may keep your account with Optum Bank, and as long as you have an IRS qualified High Deductible Health plan, you may continue to make after-tax contributions. You may also transfer the funds to your new employer´s account. Please check with Optum Bank for more information.  \nQ. What can I do if I need $500 tomorrow for a qualified medical expense?  \nA. If you do not have enough set aside in cash in your HSA, you can pay for your qualified medical expense outof-pocket now and reimburse yourself later, once you have ","cbCaiglKZoN82ulw","https://ap.wps.com/l/cbCaiglKZoN82ulw","pdf",150354,"English","# Health Savings Account (HSA) - Frequently Asked Questions\n## Enrollment and contributions\n## Eligible expenses and payment methods\n## Reimbursement rules and documentation\n## Account usage after switching jobs or retirement","[{\"question\":\"When can I enroll in the HSA?\",\"answer\":\"You may enroll during your new hire enrollment, Open Enrollment, or any other time during the year. Enrollment is allowed as long as you are enrolled in the CU High Deductible Health Plan.\"},{\"question\":\"What expenses are eligible for HSA reimbursement?\",\"answer\":\"Eligible health care expenses are listed in IRS Publication 502 and IRS Publication 969, and on the plan administrator’s Eligible Expenses page (Optum Bank).\"},{\"question\":\"What happens to my HSA if I switch jobs or retire?\",\"answer\":\"The HSA is portable and remains yours if you leave your employer. If you retire and still have unused funds, you can continue using them for qualified expenses, and after age 65 you may use the funds for other expenses while managing taxes appropriately.\"}]","Health Savings Account (HSA) - Frequently Asked Questions | PDF",1789810453]